Agence Eclectic
ActiveAgence Eclectic has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-28k) and a net result of €4k. Equity is shrinking by ~67.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+88
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.23 against 0.18 in 2024; short-term debt: 384.2% and cash: 17.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-284.2%
Return on assets
36.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
18 d late
2024
29 d early
2023
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-28k▲ 11.3%
2024 · €-32k
2023: €10k
2024: €-32k
2023 → 2025
Total assets
€10k▲ 0.7%
2024 · €10k
2023: €27k
2024: €10k
2023 → 2025
Net result
€4k
2024 · €-42k
2023: €9k
2024: €-42k
2023 → 2025
Working capital
€-30k▲ 13.4%
2024 · €-34k
2023: €6k
2024: €-34k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€10k-€-32k€-28k▲ 11.3%
Operating result€12k-€-40k€5k
Net result€9k-€-42k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €40k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10k
Fixed assets
€1k▼ 42.1%
Current assets
€9k▲ 13.5%
Key figures and ratios
EBITDA
€6k▲
2024 · €-39k
Cash flow
€5k▲
2024 · €-41k
Solvency
-284.2%▲
2024 · -322.9%
Current ratio
0.23▲
2024 · 0.18
Quick ratio
0.23▲
2024 · 0.18
Debt / equity
-1.35▼
2024 · -1.31
ROA
36.4%▲
2024 · -421.0%
Interest coverage
4.53▲
2024 · -24.30
Debt
€38k▼
2024 · €42k
Debt ≤ 1 year
€38k▼
2024 · €42k
Income taxes
€132▲
2024 · €129
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€10k€10k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€739€654▼
Furniture and vehicles24€2k€659▼
Current assets29/58€8k€9k▲
Amounts receivable within one year40/41€894€4k▲
Trade receivables40€25€746▲
Other amounts receivable41€869€3k▲
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€10k€10k▲
Equity10/15€-32k€-28k▲
Contributions10/11€1k€1k=
Reserves13€9k€9k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€-42k€-38k▲
Amounts payable17/49€42k€38k▼
Amounts payable within one year42/48€42k€38k▼
Trade debts44€1k€695▼
Suppliers440/4€1k€695▼
Taxes, remuneration and social security45€3k€261▼
Taxes450/3€3k€261▼
Other amounts payable47/48€37k€37k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€957€954▼
Other operating charges640/8€118€170▲
Gross operating margin9900€-39k€6k▲
Operating profit (loss)9901€-40k€5k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-41k€4k▲
Income taxes67/77€129€132▲
Profit (loss) for the period9904€-42k€4k▲
Profit (loss) for the period to be appropriated9905€-42k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-38k▲
Profit (loss) brought forward from the previous period14P-€-42k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-42k ▼579%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bonheiden · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rijmenamseweg 1102820 BonheidenGround area
1,364 m²
Building footprint
218 m²
Volume, LiDAR
1,517 m³
Parcel 12005C0123/00H004, Flanders · tallest building 23.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Agence Eclectic
since 20232.350.849.933
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005C0123/00H004 | Flanders | 1,364 m² | 1 · 218 m² | 23.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 22,618 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.